Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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U.S. average auto insurance rates for a Toyota RAV4 Hybrid are $1,146 annually including full coverage. Comprehensive insurance costs an estimated $240, collision costs $380, and liability insurance costs $390. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing $2,468 or more. Teenage drivers pay the highest rates at $4,330 a year or more.
Average premium for full coverage: $1,146
Price estimates broken down by individual coverage:
Prices include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different RAV4 Hybrid trim levels.
Price Range from Low to High
For an average driver, Toyota RAV4 Hybrid insurance prices go from as cheap as $438 for minimum levels of liability insurance to a much higher rate of $2,468 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down estimated Toyota RAV4 Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $668
- Drivers who choose higher $1,000 deductibles will pay approximately $142 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,146
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $270 a year
- High risk drivers who are prone to accidents and violations could pay up to $2,468 or more
- The price with full coverage for a teen driver with full coverage can cost as much as $4,330 a year
Insurance prices for a Toyota RAV4 Hybrid are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $420 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,036 | -$110 | -9.6% |
| Alaska | $878 | -$268 | -23.4% |
| Arizona | $948 | -$198 | -17.3% |
| Arkansas | $1,146 | -$0 | 0.0% |
| California | $1,304 | $158 | 13.8% |
| Colorado | $1,092 | -$54 | -4.7% |
| Connecticut | $1,176 | $30 | 2.6% |
| Delaware | $1,294 | $148 | 12.9% |
| Florida | $1,428 | $282 | 24.6% |
| Georgia | $1,058 | -$88 | -7.7% |
| Hawaii | $822 | -$324 | -28.3% |
| Idaho | $776 | -$370 | -32.3% |
| Illinois | $852 | -$294 | -25.7% |
| Indiana | $862 | -$284 | -24.8% |
| Iowa | $772 | -$374 | -32.6% |
| Kansas | $1,088 | -$58 | -5.1% |
| Kentucky | $1,562 | $416 | 36.3% |
| Louisiana | $1,694 | $548 | 47.8% |
| Maine | $708 | -$438 | -38.2% |
| Maryland | $946 | -$200 | -17.5% |
| Massachusetts | $914 | -$232 | -20.2% |
| Michigan | $1,988 | $842 | 73.5% |
| Minnesota | $960 | -$186 | -16.2% |
| Mississippi | $1,370 | $224 | 19.5% |
| Missouri | $1,016 | -$130 | -11.3% |
| Montana | $1,228 | $82 | 7.2% |
| Nebraska | $902 | -$244 | -21.3% |
| Nevada | $1,372 | $226 | 19.7% |
| New Hampshire | $826 | -$320 | -27.9% |
| New Jersey | $1,280 | $134 | 11.7% |
| New Mexico | $1,012 | -$134 | -11.7% |
| New York | $1,206 | $60 | 5.2% |
| North Carolina | $660 | -$486 | -42.4% |
| North Dakota | $938 | -$208 | -18.2% |
| Ohio | $790 | -$356 | -31.1% |
| Oklahoma | $1,176 | $30 | 2.6% |
| Oregon | $1,050 | -$96 | -8.4% |
| Pennsylvania | $1,090 | -$56 | -4.9% |
| Rhode Island | $1,526 | $380 | 33.2% |
| South Carolina | $1,038 | -$108 | -9.4% |
| South Dakota | $966 | -$180 | -15.7% |
| Tennessee | $1,002 | -$144 | -12.6% |
| Texas | $1,380 | $234 | 20.4% |
| Utah | $846 | -$300 | -26.2% |
| Vermont | $784 | -$362 | -31.6% |
| Virginia | $686 | -$460 | -40.1% |
| Washington | $884 | -$262 | -22.9% |
| West Virginia | $1,050 | -$96 | -8.4% |
| Wisconsin | $790 | -$356 | -31.1% |
| Wyoming | $1,018 | -$128 | -11.2% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2023 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2022 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
| 2021 Toyota RAV4 Hybrid | $270 | $484 | $376 | $1,266 |
| 2019 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
| 2018 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
| 2017 Toyota RAV4 Hybrid | $224 | $350 | $390 | $1,100 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Toyota RAV4 Hybrid Insurance
Getting lower rates on Toyota RAV4 Hybrid insurance not only requires having a good driving record, but also having good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a quick rundown of the data that was covered in the above illustrations.
- You may be able to save approximately $140 per year simply by shopping early and online
- Drivers who want increased levels of liability coverage will pay an extra $430 per year to go from a low limit to higher 250/500 limits
- Drivers age 20 and younger are expensive to insure, possibly costing $361 a month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,320 more annually to buy Toyota RAV4 Hybrid insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,330 |
| 20 | $2,620 |
| 30 | $1,186 |
| 40 | $1,146 |
| 50 | $1,046 |
| 60 | $1,026 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,290 |
| $500 | $1,146 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,146 |
| 50/100 | $1,224 |
| 100/300 | $1,322 |
| 250/500 | $1,575 |
| 100 CSL | $1,263 |
| 300 CSL | $1,478 |
| 500 CSL | $1,634 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,162 |
| 20 | $4,174 |
| 30 | $2,516 |
| 40 | $2,468 |
| 50 | $2,356 |
| 60 | $2,332 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $60 |
| Homeowner | $18 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $49 |
| Advance Quote | $55 |
| Online Quote | $81 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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